OpenAI is connecting ChatGPT to bank accounts via Plaid

4 hours ago

OpenAI now allows ChatGPT users to connect bank accounts via Plaid, giving access to balances, transaction history, investments, and liabilities, with a preview for Pro subscribers at $200/month.
The service provides a spending dashboard, personalized financial advice, and chatbot alerts, but cannot make account changes or see full account numbers; users can disconnect or opt out of data training.
OpenAI retains financial data for up to 30 days after disconnection, and the opt-in for model training uses ambiguous framing, raising privacy concerns about data use and protection.
This follows a similar January launch for health data, where unanswered questions about data handling, breaches, and long-term usage persist, now extending to financial information.
OpenAI's potential to build detailed financial profiles from this data is commercially valuable, but lacks clear guardrails on commercial use, business model shifts, or protections in acquisitions.

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